Savings programme

Build a holding in gold, month by month

Put aside a fixed amount each month. Each instalment buys metal at the rate on the day we receive it — so you are buying gold steadily rather than guessing when the price is right. At the end you take delivery in metal, or in a piece made for you.

At today’s rate

Rs 10,000 a month buys about 0.264 g of 24K gold — roughly 3.17 g over a year, if the rate stayed where it is today. It will not: that is the point of buying a little every month rather than all at once.

Work out your own figure →

What it costs to start

Stated here rather than after you have handed over documents.

Account activation, one time: Rs 4,000
Physical savings card, each (optional): Rs 2,000
XRF metal assay report (optional): Rs 1,000–Rs 1,500

What you will need

Your CNIC and current address.
A nominee, so the account passes on cleanly.

Before you decide

Is my gold sitting in a safe with my name on it?

No, and we will not pretend otherwise. What you hold is an obligation: we owe you a stated quantity of metal, backed by our own holdings as a whole. That is a real claim on us, recorded and stated on every statement — it is simply not a specific bar with your name on a label.

What if the gold rate falls?

Your holding is measured in grams, not rupees, so a fall does not reduce the metal you have accumulated — it means next month’s instalment buys more of it. What changes is what the holding is worth in rupees on any given day.

Can I stop, or take my money out early?

Yes, and it costs you something — we would rather you knew the number now. Leaving early carries a deduction from the accumulated value, and on a Saving plan you also give up the appreciation the plan would have earned. The exact percentage depends on your plan type and how far through it you are, and is shown on your own plan page before you confirm anything.

What do I get at the end?

Metal. Either delivered as bullion, or made into a piece for you, with the making quoted at the time.

How do I know what I have?

A statement you can print at any time, showing every instalment, the rate it bought at, and the running total in grams. You are not relying on anyone’s memory.

Opening an account

Accounts are opened in person at the showroom so we can check documents and answer your questions properly. Register online first if you like — it saves time at the counter.